Risk grade updatedRisk gradeEvidence verified
17 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1 → A3.Business profile
Starfinance Oy
Starfinance Oy's registered office is Oulu. It is a limited company. The company was established on 2016-12-15. It operates in the industry of fund management activities. In its latest retained statement for 2025-12-31, revenue was €229,964 and operating profit was €125,299.
Business ID 2798702-8ValidUnclaimed company profile
Trusted core data
Public company details from the trade register.
- Business ID
- 2798702-8
- Sector
- Fund management activities
- Municipality
- Oulu
- Company form
- Limited company
- Registration date
- 2016-12-15
- Business ID registration date
- 2016-12-05
- Business status
- Valid
- Profile ownership
- Unclaimed company profile
Contact and location summary
Visiting address: Lyötynkatu 3, 90100, Oulu
About Starfinance Oy
Financial position and key figures for the company.
Starfinance Oy's location municipality is Oulu. It is a limited company. The company was established on 2016-12-15. It operates in the industry of fund management activities. In its latest retained statement for 2025-12-31, revenue was €229,964 and operating profit was €125,299. The latest retained financial statement for 2025-12-31 shows revenue of €229,964 and profit for the financial year of €429,762. Based on the latest retained statement, revenue growth was -64.7%, operating margin was +54.5%, and equity ratio was +75.6%.
Financial highlights
Key figures from the latest financial period.
Latest financial period
2025-12-31
6
2
PRH/XBRL financial statement
Derived indicators
Revenue growth-64.7%
Operating margin54.5%
Equity ratio75.6%
Balance-sheet contextLatest financial period
Other operating income€37,500Previous: €7,744
Cash and bank€20,726Previous: €5,602
Retained earnings€599,099Previous: €346,589
Equity€1,096,766Previous: €727,004
Liabilities€354,642Previous: €367,864
Current assets€381,120Previous: €98,437
Current liabilities€234,636Previous: €279,483
Revenue trend2 periods
€650,626
2024-12-31
€229,964
2025-12-31
Operating profit (loss) trend2 periods
€483,348
2024-12-31
€125,299
2025-12-31
Profit (loss) for the financial year trend2 periods
€310,510
2024-12-31
€429,762
2025-12-31
Assets trend2 periods
€1,094,867
2024-12-31
€1,451,408
2025-12-31
Financial ratios
Financial ratios based on financial statement data. Source: PRH/XBRL-tilinpäätös.
Equity ratioGood
94/100 · Improving
Current ratioWeak
3/100 · Improving
Operating profit marginGood
100/100 · Declining
Ratio history
| Ratio | 2024-12-31 | 2025-12-31 |
|---|---|---|
| Equity ratio | 66.4 % | 75.6 % |
| Current ratio | 0.02x | 0.09x |
| Operating profit margin | 73.4 % | 46.9 % |
Registry status and identifiers
Current registry information and identifiers based on YTJ data.
YTJ statusValid
Trade RegisterRegistered
Business ID2798702-8
VAT IDFI27987028
EU IDFIFPRO.2798702-8
MunicipalityOulu
Current registered entries
2016-12-05VAT-liable for business activity in Tax Administration (VAT Register)
2016-12-05Registered in Tax Administration (Prepayment Register)
2016-12-15Registered in Patent and Registration Office (Trade Register)
2017-01-19Registered in Tax Administration (Tax Administration)
2020-01-27VAT-obliged for the transfer of rights to use immovable property in Tax Administration (VAT Register)
Risk certificate
An open-data based company stability and risk signal.
BUSINESS.fi
BUSINESS.fi Luottoluokitus
Profile-specific risk signal based on open data
Automatic gradeNot a credit decision
A3
GoodStarfinance Oy
Grade upgradedB1 → A3 · new analysis 2026-09-17
76/100
High
Strong financial evidenceFinancial data included
Several key financial indicators have weakened across comparable fiscal periods.
3 comparable periodsSolvencyImproving
LiquidityStable
Same size nationallyDescriptive comparison – does not change the model score.
728 peersSolvency71%
Better than 71% of peers
Profitability94%
Better than 94% of peers
Liquidity56%
Better than 56% of peers
Revenue growth1%
Below 99% of peers
RegularBased on observed PRH financial period end and registration dates. This descriptive evidence does not change the v0.14 score.
4 observed filings174 days after period end
190 days after period end
4 consecutive periods
Supporting factors
- Strong equity ratio
- Strong operating profitability
- Active registered status
Risk factors to note
- Weak current ratio
- Sharp year-over-year revenue drop
- Coordinated deterioration across 2 financial domains
Automatic assessment developmentChanges are derived from evidence differences between persisted automatic assessments.
5 assessmentsA3
2026-09-17 02:1476/100 · v0.14
B1 → A3 · +7 points- Evidence strengthened: a PRH/XBRL financial statement was added to the assessment (2025-12-31).
- Assessment confidence: Medium → High.
- Evidence quality: Registry and statistical evidence → Strong financial evidence.
B1
2026-09-1469/100 · v0.14
B1 → B1B1
2026-09-1469/100 · v0.13
B1 → B1 · +7 points- Assessment confidence: Low → Medium.
- Evidence quality: Registry and statistical evidence → Registry and statistical evidence.
- New risk factor: Sufficient structured financial metrics are not available.
B1
2026-09-1362/100 · v0.12
Oldest retained automatic assessment in this comparisonA3
2026-09-17
open-risk-grade-v0.14
The grade can use open digital financial statement data together with registry signals.
Risk context
When sufficient source-backed financial metrics are not available for a Tier 1 assessment, BUSINESS.fi shows registry, industry, and regional context.
Industry risklow
83/100
Industry context is low based on normalized open statistical inputs.
Age and continuityHyvä
60/100
The company has about 9 years of registry continuity.
Registry and status signalsVakaa
75/100
Registry history, filing recency, and active register markings are still limited or mixed.
Events & news
Verified events and sourced external company news in one timeline.
Risk grade updatedRisk gradeEvidence verified
14 Sept 2026 · BUSINESS.fi / Opterom LuottoluokitusAutomatic grade B1.Registry timeline
Trade register notifications shown on a timeline.
18 register eventsLatest event: 2025-09-23
Financial statements availability
Available financial statement periods and PRH source filings.
6 financial statement periodsLatest financial period: 2025-12-31
Profile source and ownership
Profile based on public registry data
BUSINESS.fi has created this profile from public company information. Source data updated 2025-12-31.
This company profile has not been claimed yet
Starfinance Oy shows public core facts. A company representative can claim the profile, update public information, and access owner tools.